<ARTICLE> 9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION EXTRACTED FROM THE 1995
10-K AND IS QUALIFIED IN ITS ENTIRETY BY REFERENCE TO SUCH 10-K.
</LEGEND>
<MULTIPLIER> 1,000
       
                             
<PERIOD-TYPE>                   9-MOS
<FISCAL-YEAR-END>                          DEC-31-1996
<PERIOD-END>                               SEP-30-1996
<CASH>                                          28,418
<INT-BEARING-DEPOSITS>                             564
<FED-FUNDS-SOLD>                                     0
<TRADING-ASSETS>                                   500
<INVESTMENTS-HELD-FOR-SALE>                    146,109
<INVESTMENTS-CARRYING>                               0
<INVESTMENTS-MARKET>                                 0
<LOANS>                                        391,013
<ALLOWANCE>                                   (15,893)
<TOTAL-ASSETS>                                 589,522
<DEPOSITS>                                     508,605
<SHORT-TERM>                                    23,382
<LIABILITIES-OTHER>                              8,048
<LONG-TERM>                                      6,421
<COMMON>                                            44
<PREFERRED-MANDATORY>                                0
<PREFERRED>                                          0
<OTHER-SE>                                      43,022
<TOTAL-LIABILITIES-AND-EQUITY>                 589,522
<INTEREST-LOAN>                                 28,518
<INTEREST-INVEST>                                5,177
<INTEREST-OTHER>                                   412
<INTEREST-TOTAL>                                34,107
<INTEREST-DEPOSIT>                              13,392
<INTEREST-EXPENSE>                              14,073
<INTEREST-INCOME-NET>                           20,034
<LOAN-LOSSES>                                    2,700
<SECURITIES-GAINS>                                 119
<EXPENSE-OTHER>                                 20,595
<INCOME-PRETAX>                                  5,805
<INCOME-PRE-EXTRAORDINARY>                       5,805
<EXTRAORDINARY>                                      0
<CHANGES>                                            0
<NET-INCOME>                                     4,522
<EPS-PRIMARY>                                     1.05
<EPS-DILUTED>                                     1.05
<YIELD-ACTUAL>                                    5.51
<LOANS-NON>                                     11,235
<LOANS-PAST>                                         3
<LOANS-TROUBLED>                                 2,475
<LOANS-PROBLEM>                                      0
<ALLOWANCE-OPEN>                                16,234
<CHARGE-OFFS>                                  (4,107)
<RECOVERIES>                                     1,066
<ALLOWANCE-CLOSE>                               15,893
<ALLOWANCE-DOMESTIC>                            15,893
<ALLOWANCE-FOREIGN>                                  0
<ALLOWANCE-UNALLOCATED>                          2,291